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All Journal Proceedings of Annual International Conference Syiah Kuala University - Social Sciences Chapter Ekonomikawan : Jurnal Ilmu Ekonomi dan Studi Pembangunan Jurnal Riset Akuntansi dan Bisnis JURNAL ILMIAH MANAJEMEN & BISNIS KUMPULAN JURNAL DOSEN UNIVERSITAS MUHAMMADIYAH SUMATERA UTARA MIX : Jurnal Ilmiah Manajemen Ikonomika : Jurnal Ekonomi dan Bisnis Islam Jurnal SOLMA Journal of Economic, Bussines and Accounting (COSTING) Al-Mashrafiyah : Jurnal Ekonomi, Keuangan, dan Perbankan Syariah Owner : Riset dan Jurnal Akuntansi Journal Analytica Islamica At-Tawassuth: Jurnal Ekonomi Islam Iqtishoduna: Jurnal Ekonomi Islam At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam JURNAL LENTERA BISNIS International Journal of Business Economics (IJBE) Ihsan: Jurnal Pengabdian Masyarakat Ekonomi Bisnis Manajemen dan Akuntansi (EBMA) Indonesian Journal of Islamic Economics and Business JURNAL MANAJEMEN AKUNTANSI (JUMSI) ABDI SABHA (Jurnal Pengabdian kepada Masyarakat) Jurnal Ekonomi Proceeding International Seminar of Islamic Studies Muhasabatuna: Jurnal Akuntansi Syariah AL-MULTAZIM : Jurnal Manajemen Bisnis Syariah International Journal Of Economics Social And Technology International Journal of Accounting & Finance in Asia Pasific IIJSE Aksaqila International Humanities and Social Sciences [AIHSS] Journal Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Jurnal Manajemen dan Pendidikan Agama Islam Journal of Ekonomics, Finance, and Management Studies
Siti Mujiatun
Universitas Muhammadiyah Sumatera Utara
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Astronomy Automotive Engineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Mathematics Physics Social Sciences Other

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Determinant Analysis of The Role of Islamic Banking in Micro Small Medium Enterprises in The New Normal Period Rahmayati, Rahmayati; Mujiatun, Siti; Khairi, Fadhli bin Wan Mahmud
IKONOMIKA Vol 8, No 1 (2023)
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/febi.v8i1.16563

Abstract

The purpose of this study was to identify and analyze the role of Islamic banking in MSMEs in the new normal period because Islamic banking is a financial intermediary institution that has a role in economic development and in this case the focus of research on MSMEs can drive economic activity. Problems in research due to this new normal period need to be studied whether MSMEs increase their income during the new normal period and whether Islamic banking has played a role. This research methodology was conducted using primary data obtained through a survey of 116 business actors engaged in the food business and other businesses located in the city of Medan. The results of this study indicate that MSMEs survive from their own capital in the form of assets and savings owned, even though the interest and desire of MSME actors is very dominant in wanting to transact to obtain assistance in the form of capital from Islamic banking, which is equal to 86%. 52.6% of MSMEs have capital problems in this new normal period. Thus it can be concluded that Islamic banking has not provided assistance to MSMEs in the new normal period and Islamic banking has the potential to increase its role as a financial intermediary institution in the future.
The Role of Islamic Financial Management in Developing the Umrah Travel Business Sari, Novita; Mujiatun, Siti
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 3 (2025): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i3.8347

Abstract

The purpose of this study is to analyze in depth the implementation and impact of sharia-based financial management on the development of the Umrah travel business at PT Zam Zam Wisata Islami. Using a qualitative method with a case study approach, data is collected through interviews, observations, and documentation. The results of the study show that PT Zam Zam Wisata Islami consistently applies sharia principles, such as the prohibition of riba, gharar, and maysir, which have proven effective in supporting business sustainability. The company also adopts a risk mitigation strategy to mitigate exchange rate fluctuations and enhance the transparency of the pilgrim fund management. The key finding is that Islamic financial management plays a vital role in building public trust, maintaining financial stability, and expanding the operational reach of the Umrah travel business.
Implementasi Nilai Religius, Moral Etika dan Tradisi dalam Manajemen: Sebuah Tinjauan Literatur Lazuardi, Dedy; Wahyuni, Putri; Gustina, Ihdina; Mujiatun, Siti
Indonesian Journal of Islamic Economics and Business Vol. 9 No. 2 (2024): Indonesian Journal of Islamic Economics and Business
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN STS Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/ijoieb.v9i2.2848

Abstract

This research aims to understand how the application of religious, moral/ethical and traditional values affects organizational performance. It also explores the challenges faced by managers in implementing these values in management practices, as well as how these values can shape an organizational culture that supports sustainability and business ethics. This research uses a qualitative approach, with the Grounded Theory method to develop theories based on empirical data collected. Data collection techniques included interviews, observations, and document analysis, focusing on the phenomenon of applying religious, moral/ethical, and traditional values in the organization. The results show that religious, moral/ethical, and traditional values contribute significantly to improving organizational performance. Religious values such as honesty, justice, and responsibility create a harmonious and productive work environment. Morals/ethics support customer and stakeholder trust, while tradition strengthens organizational culture and employee loyalty. The results show that religious values, morals/ethics, and traditions contribute significantly to improving organizational performance. Religious values such as honesty, justice, and responsibility create a harmonious and productive work environment. Morals/ethics support customer and stakeholder trust, while traditions support organizational performance.
Pengaruh Kualitas Pelayanan dan Kualitas Produk terhadap Kepuasan Nasabah pada PT. Bank Tabungan Negara Kantor Cabang Syariah Medan Mega Lestari; Siti Mujiatun
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 7 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i7.3713

Abstract

This study aims to analyze the influence of service quality and product quality on customer satisfaction at PT. Bank Tabungan Negara (BTN) Syariah Branch Office in Medan. Service quality and product quality are considered two key factors that can affect customer satisfaction in the Islamic banking industry. The research method used is quantitative, with data collected through questionnaires distributed to BTN Syariah Medan customers. The collected data were analyzed using multiple linear regression to determine the extent to which these two independent variables influence customer satisfaction as the dependent variable. The results of the study indicate that both service quality and product quality have a positive and significant impact on customer satisfaction. Service quality, which includes aspects such as speed, friendliness, and staff professionalism, is proven to be a primary factor in enhancing customer satisfaction. Additionally, product quality, which encompasses various offered Islamic banking products, also has a significant contribution to customer satisfaction. The conclusion of this study is that PT. Bank Tabungan Negara Syariah Branch Office in Medan needs to continuously improve their service quality and product quality to achieve higher customer satisfaction levels. The practical implications of this study show that improvements in these two aspects can increase customer loyalty and drive the growth of the Islamic banking business. This research provides an important contribution to the Islamic banking literature and offers strategic recommendations for bank management in their efforts to enhance the quality of their services and products.
The Effect Optimizing Digital Transaction Education on Customer Cross Selling at Bank Syariah Indonesia KCP Kabanjahe: English Difi Oktavianny, Syiva; Mujiatun, Siti
Muhasabatuna : Jurnal Akuntansi Syariah Vol. 5 No. 2 (2023): December
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat Universitas Islam Syarifuddin Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54471/muhasabatuna.v5i2.2425

Abstract

Optimization of digital transaction users is an effort to maximize the number of digital-based transaction users. In Indonesia alone, the development of digital transactions grew much better, amounting to 1,556% in the 2017-2020 confinement, which has greatpotential to absorb the flow of digitalization. This study aims to test and analyze the effect of Digital Transaction Education Optimization on Customer Cross Selling at Bank SyariahIndonesia KCP Kabanjahe. By research method is quantitative descriptive. The design of this study is simple linear regression analysis, classical assumption test and hypothesis test. The population in this study is customers of Bank Syariah Indonesia KCP Kabanjahe amounting to 2,100 with sampling techniques using the slovin formula, amounting to 95 samples. The results of this study are Digital Transaction Education (X) has a significant effect on Customer Cross Selling (Y) at Bank Syariah Indonesia KCP Kabanjahe.
Pengaruh Literasi Keuangan Syariah dan Islamic Branding Terhadap Keputusan Mahasiswa dalam Menggunakan Produk Perbankan Syariah: Studi Kasus pada Mahasiwa Program Studi Perbankan Syariah Umsu Dini Erika; Siti Mujiatun
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 7 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i7.2196

Abstract

This research aims to determine the influence of Sharia Financial Literacy and Islamic Branding on Students' Decisions to Use Sharia Banking Products (Case Study of Students of the UMSU Sharia Banking Study Program) both partially and simultaneously. This research approach is associative. The population is the entire UMSU Sharia Banking Student Study Program and the sample is 100 UMSU Sharia Banking Student Study Programs. Data collection techniques in this research used interview techniques, documentation studies, observations and questionnaires. The data analysis technique in this research uses Multiple Linear Regression Analysis Test, Hypothesis Test (t Test and F Test), and Coefficient of Determination. Data processing in this research used the SPSS (Statistical Package for the Social Sciences) software program version 29.00. Partially, the variable sharia financial literacy has a significant effect on students' decisions in using sharia banking products. Partially, the Islamic branding variable has a significant effect on students' decisions in using sharia banking products. Simultaneously, the variables Sharia Financial Literacy and Islamic Branding have a significant effect on students' decisions in using Sharia banking products.
Analisis Penerapan Etika Bisnis Islam pada Pelaku Usaha Mikro Kecil Menengah (UMKM) Muslim Makanan dan Minuman di Hamparan Perak Dwi Febriyanthi; Siti Mujiatun
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 7 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i7.2538

Abstract

This research aims to find out how Muslim micro, small and medium enterprises (MSMEs) in the food and beverage sector apply Islamic business ethics. This research uses qualitative methods, especially descriptive with field studies. Data was collected through observations, books, journals and websites. The research results show that only three to four principles of Islamic business ethics are applied to Muslim MSMEs in the food and beverage sector in Hamparan Perak, while several other principles have not been implemented because economic actors do not understand Islamic business ethics.
Truth, Correspondence, And Pragmatism Theories In Management Dewita; Amalia Afsari; Elsa Manora Nasution; Miss Diana Laewang; Siti Mujiatun
Aksaqila International Humanities and Social Sciences [AIHSS] Journal Vol. 4 No. 1 (2025)
Publisher : Aksaqila International Humanities and Social Sciences [AIHSS] Journal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/aihss.v4i1.560

Abstract

Philosophy of science as a basis for understanding theories of truth related to management. This research covers four main theories of truth: correspondence, coherence, pragmatism, and religion. Correspondence theory prioritizes congruence between statements and objective facts, while coherence theory judges truth based on the interrelationships between statements. Pragmatism establishes truth based on its practical value, while religious theory regards truth as an absolute value that comes from God.This study uses the literature review method, analyzing relevant sources to investigate the concept of truth in philosophy of science and its relation to management science. The research findings show that these theories of truth provide important insights into the decision-making process and managerial practice. Through a pragmatic approach, management becomes more elastic, outcome-focused, and responsive to changes in the environment.The paper concludes that truth theories provide a strong conceptual basis for developing efficient, relevant, and sustainable management principles. Suggestions are provided to expand the study of the relevance of truth theories in the context of contemporary management and their implementation in organizations.
Pengaruh Kualitas Pelayanan dan Kualitas Produk terhadap Kepuasan Nasabah pada PT. Bank Tabungan Negara Kantor Cabang Syariah Medan Mega Lestari; Siti Mujiatun
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 7 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i7.3713

Abstract

This study aims to analyze the influence of service quality and product quality on customer satisfaction at PT. Bank Tabungan Negara (BTN) Syariah Branch Office in Medan. Service quality and product quality are considered two key factors that can affect customer satisfaction in the Islamic banking industry. The research method used is quantitative, with data collected through questionnaires distributed to BTN Syariah Medan customers. The collected data were analyzed using multiple linear regression to determine the extent to which these two independent variables influence customer satisfaction as the dependent variable. The results of the study indicate that both service quality and product quality have a positive and significant impact on customer satisfaction. Service quality, which includes aspects such as speed, friendliness, and staff professionalism, is proven to be a primary factor in enhancing customer satisfaction. Additionally, product quality, which encompasses various offered Islamic banking products, also has a significant contribution to customer satisfaction. The conclusion of this study is that PT. Bank Tabungan Negara Syariah Branch Office in Medan needs to continuously improve their service quality and product quality to achieve higher customer satisfaction levels. The practical implications of this study show that improvements in these two aspects can increase customer loyalty and drive the growth of the Islamic banking business. This research provides an important contribution to the Islamic banking literature and offers strategic recommendations for bank management in their efforts to enhance the quality of their services and products.
Islamic Green Banking At Bank Pembangunan Daerah In Indonesia Rahmayati, Rahmayati; Mujiatun, Siti; Sari, Maya
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 5 No 1 (2022): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v5i1.1850

Abstract

This research aims to prove the concept of Islamic Green Banking in the banking system in Indonesia, precisely at the Bank Pembangunan Daerah (BPD) bank and to proves that CSR, Green Accounting, Growth Financing, NPF, Liability on Green Banking have a simultaneous and partial test effect on Green Banking. The research method used is descriptive quantitative, using secondary data from the bank's Annual Report from 2015-2020 at PT. BPD Aceh Syariah, PT. BPD Sumatera Utara, PT. BPD Jambi, PT. BPD. Nagari, PT. BPD. Riau and Kepulauan Riau, PT. BPD Sumatera Selatan and Bangka Belitung. The results of the study prove that the Corporate Social Responsibility (CSR), Growth Financing, Green Accounting, NPF variable have an effect on Green Banking except for Liability variable which shown negative result on Green Banking and this study is that the application of Green Banking is a pattern that can be implemented by the BPD through digitizing online services.
Co-Authors Adjie Rahim Ramadhan Afif Badawi Ahmad Afandi Ahmad Affandi Alicia Hanna Fadilla Amalia Afsari Andani, Salsabila Maisah Arianty, S.E., M.M., Nel Badawi, Afif Darma Wijaya Dedek Kurniawan Gultom Devira Restika Salsa Bila Gulo Dewita Difi Oktavianny, Syiva Dini Erika Dwi Febriyanthi Dwita Ferina Edisah Putra Nainggolan Elsa Manora Nasution Fadhli bin Wan Mahmud Khairi Fahmi Azhar Nasution Fanreza, Robie Hafidz Hafidz Hanifah Jasin Ihdina Gustina Isra Hayati Jihan Fadhilah Jufrizen Julita, Julita Junimar, Junimar Khaira, Mutiah Khairi, Fadhli bin Wan Mahmud Lazuardi, Dedy Mailina Harahap Marnis Wanji Marupa Siregar Mavianti, Mavianti Maya Sari Maya Sari Mega Lestari Miss Diana Laewang Muhammad Arif Muhammad Dahriansyah Muhammad Firmansyah MUIS FAUZI RAMBE Munasip, Adi Nadia Ika Purnama Nasution, Rahmi Andini Nasution, Salman Ningsih, Supiah Novien Rialdy Novita Sari Nst, Yuli Sahara Nurzannah Pandapotan Ritonga Pipit Putri Hariani MD Purnama, Nadia Ika PUTRI WAHYUNI Qahfi Romula Siregar Rahma Pratiwi Rahmad Bahagia Rahmat Hidayat Rahmayati Rahmayati Rahmayati Rahmayati Rahmayati Rahmayati Rahmayati, Rahmayati Raihanah Daulay Rini Astuti Astuti Ritonga, Diana Rosalina Rizki Hannum Salman Nasution Sipahutar, Muhammad Ali Susi Yusfika Panjaitan Windy Anggrainy Siregar YUDI SISWADI Yusnandar, Willy Zaini Nurasa Azzahra